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Peach State offers a variety of VISA® credit cards to fit your life with rates as low as 6.9% APR and 0% for six months on all new purchases and balance transfers!1

VISA Credit Card Options
Low Rate VISA® Platinum (no rewards) VISA Platinum with Rewards Student VISA Platinum with Rewards
6.9% APR 8.9% - 12.9% APR 14.9% APR
No Annual Fee No Annual Fee No Annual Fee

All of our credit cards offer:

  • 25-day grace period on purchases
  • Free balance transfer option
  • Fee-free cash advances
  • Auto rental collision damage waiver – secondary
  • Emergency card replacement
  • Emergency cash disbursement
  • Lost/stolen card reporting

Reward Cards Include:

ScoreCard Rewards

You’re automatically enrolled to earn one bonus point for every dollar spent in net retail purchases. Redeem the points and browse the store at: www.scorecardrewards.com

VISA® Student Platinum with REWARDS Credit Card

LOW 14.9% Annual Percentage Rate2

Minimum age is 18. A guarantor may be necessary if your annual income is not sufficient for repayment.

Peach State VISA® Credit Card Disclosure

Interest Rates and Interest Charges
  Platinum A+ no rewards Platinum A+ with rewards Platinum A with rewards Platinum with rewards Student with rewards
Annual Percentage Rate (APR) for Purchases when you open your account based on your creditworthiness. 6.9% 8.9% 10.9% 12.9% 14.9%
APR for Balance Transfers 6.9% 8.9% 10.9% 12.9% 14.9%
APR for Cash Advances 6.9% 8.9% 10.9% 12.9% 14.9%
Penalty APR NONE NONE NONE NONE NONE
How to Avoid Paying Interest on Purchases Your due date is 25 days after the close of each billing cycle. We will not charge you any interest on purchases if you pay your entire balance by the due date each month.
For Credit Card Tips from the Consumer Financial Protection Bureau To learn more about factors to consider when applying for or using a credit card, visit the website of the Consumer Financial Protection Bureau at http://www.consumerfinance.gov/learnmore.
Fees
  Platinum A+ no rewards Platinum A+ with rewards Platinum A with rewards Platinum with rewards Student with rewards
Annual Fee NONE NONE NONE NONE NONE
Transaction Fees
  Platinum A+ no rewards Platinum A+ with rewards Platinum A with rewards Platinum with rewards Student with rewards
Balance Transfer NONE NONE NONE NONE NONE
Cash Advance NONE NONE NONE NONE NONE
Foreign Transaction 1% of the converted transaction amount 1% of the converted transaction amount 1% of the converted transaction amount 1% of the converted transaction amount 1% of the converted transaction amount
Penalty Fees
  Platinum A+ no rewards Platinum A+ with rewards Platinum A with rewards Platinum with rewards Student with rewards
Late Payment $25 $25 $25 $25 $25
Over-the-Credit Limit NONE NONE NONE NONE NONE
Returned Payment $25 $25 $25 $25 $25
Other Fees $30 application fee refunded if approved $30 application fee refunded if approved $30 application fee refunded if approved $30 application fee refunded if approved $30 application fee refunded if approved
  • How We Will Calculate Your Balance: We use a method called “average daily balance (including new transactions).” The information about the cost of the card described above is accurate as of November 2, 2015. This information may have changed after that date. To find out what may have changed since then or to obtain a copy of the Agreement, call 678.889.4328 or 855.889.4328.
  • 1 APR – Annual Percentage Rate. The 0% introductory APR applies to purchases, cash advances and balance transfers. Offer applies to new VISA® credit card accounts only and may expire at any time; does not apply to account upgrades. If you are upgrading from a rewards card to a non-rewards card, then your points will expire at the time of the upgrade. The 0% APR is effective for the first six statement periods following the opening of your account. The APR will return to the annual percentage rate of your approved card type after the promotional period, or if you fail to make a minimum periodic payment during the promotional period within 60 days from the due date for that payment. Member must qualify for and maintain an active Peach State checking account. Rates range from 6.9% to 14.9%. A $30 application fee is charged for processing. When the card is issued, the fee will be refunded back to your account.
  • 2 See the Fair Credit and Charge Card Disclosure below for Annual Percentage Rates. Peach State will determine card type and limit based on application information and credit history.

Corporate Office

1505 Lakes Parkway, Suite 100
Lawrenceville, GA 30043
No branch onsite.

Email: psfcu@peachstatefcu.org
Phone: 678.889.4328
Toll-Free: 855.889.4328

Routing Number: 261174759

Copyright © 2018 Peach State Federal Credit Union
All Rights Reserved. This credit union is federally insured by the National Credit Union Administration.
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